Expert Report: The Difference Between Interest Credited and Gains on Wall Street.

Expert Report: The Difference Between Interest Credited and Gains on Wall Street.

You’ve probably notices that the gains you see on your mutual fund statements never keep up with the performance of the stock market. Retirement Phase Expert Phil Cannella explains why interest returns, like the ones credited by The Exclusive Crash Proof Retirement System are more desirable for your retirement security: 

Report Transcription

“Have you ever wondered or even considered the difference between credited interest returns and gains on Wall Street? One you get to keep and control. The other one comes and goes.   We’re going to analyze investors returns on The S&P 500 from 2000 to 2015, and then we’re going to compare them to a Certificate of Deposit only compounding at two percent during that same time period using data curated by Dalbar Incorporated, which is this countries leading analytic firm over Wall Street.  

Investors only averaged a total 2.66 percent per year from 2000 to 2015. Now this does indicate that that $100,000, thru 2015, has grown to an estimated $128,000 or less when you consider the fees in ones’ portfolio.   But you also must remember how much time was lost during that fifteen year period. You grew it, you lost it, and now you have to re-grow it. Now that’s being victimized by Wall Street and the two market crashes and then waiting to recover your lost gains.   

Now had the same investor put $100,000 into a Certificate of Deposit with a compounding interest rate of two percent from 2000 to 2015, that investors principal would have grown to $135,000 with no fees, no market loss, and no lost growth time.  

Now knowing the difference between credited interest returns and gains that are vulnerable to market risk and fees can shield you from the dangers of Wall Street, so you can enjoy a retirement with peace of mind.  Stop losing time with Wall Street and start gaining time in your retirement.”

To hear more stories that will impact your financial future join Phil Cannella and Joann Small, this Saturday at 11 AM on The Crash Proof Retirement Show, heard on Talk Radio 1210 WPHT in Philadelphia, and online from anywhere in the world, at https://crashproofretirement.com/radio-show/.